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    • Before you start this claim you need to have a lot more confidence in what you're doing which means that you need to understand the way forward in the principles involved more thoroughly. We will help you and you will probably get your money back but this is a self empowerment forum and so you have to do your bit as well. Please will you spend at least the next couple of days reading through the stories on this sub- forum. Try to understand them thoroughly. We have lots of stories very similar to yours but even those which are not similar, have principles in them which apply. In particular you need to read and understand the information in the pinned topics at the top of the sub- forum. I know that you have been reading around here for the past couple of hours but it needs a lot more. You aren't in a huge hurry. Wait a few days before sending a letter of claim and also that needs some amendment as well. Come back here when you've done your reading and then we will have a look at your letter of claim and help you to refine it Also, please tell us the value of the laptop. Was it properly declared as a laptop – and was the value properly declared
    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.View the full article
    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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No CCA? Processing your data? Get them a huge fine.


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Data breach howlers to get up to £500,000 fine ? The Register

 

If there is no CCA available, then under the Data Protection Act they also have no permission to be processing your personal information. This also includes adding things to your credit file via the CRA's. As this can affect you financially and your ability to get credit, employment, renting/buying a house. Then it's possible it could be a serious enough breach of the DPA to get a DCA landed with a fine of up to £500,000

 

New rules from today, 6th April 2010. :o)

 

Shall we have a go and see if a few complaints from Cag members will sway them into dishing out some fines? :D If we don't try, we won't get.

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These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I would love to think that this is going to happen, but the DCA's will continue to take the p!$$ until one of them is hit hard

 

It's up to us to have a try. Nothing ventured, nothing gained. Also well worth the cost of a stamp. If they get a few complaints about the same company they may act on it. You never know, they may be eager to try out their new powers. ;)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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About time, something was done!

 

Up to now, the ICO appeared reluctant to take enforcement action!???

 

The $64,000 question, is will this be passed through Gov., and who will prosecute?

 

General Election due; May 6th 2010...I know who I will not be voting for.

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LOL, Alistair Darling said in the 2007 data breach of CB

 

Mr Darling said he "deeply regretted" what had happened, but stressed there was no evidence of misuse of the data.

He told the BBC his confidence had been "shaken" by what he described as a "catastrophic" incident, involving "serious breaches".

 

 

source

 

 

Ratpack government would of wormed themselves out of this anyway if the legislation would have been in place then.

 

 

But just imagine the claims!

Templates from CAG

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2 Power to impose a monetary penalty

The Act applies to the whole of the UK. It does not apply retrospectively therefore

monetary penalty notices will only be used in respect of contraventions occurring

on or after 6 April 2010.

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  • 3 weeks later...

I'd argue that if they can't prove there's a contract, then they can't show that you agreed to have your data processed by them and therefore they have no right to process it. I don't see how the ICO can possibly argue against that. :-?

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Furthermore, the CRAs themselves can also be held liable for the breaches of the DPA, if you notify them that the data they hold is being unlwfully processed (due to lack of CCA as per above) then refusal to remove the disputed data surely would amount to a breach too?

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Very interesting but I would imagine will be a 'minefield' to negotiate. For instance, I have quite a large 'alleged' debt reported as 'closed' on my CRA file. It is still being updated monthly, though I have aletter confirming no CCA. Experian have refused catagorically to remove this, saying if it is closed it must at some point have been 'open' which is all they require!

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I'd argue that if they can't prove there's a contract, then they can't show that you agreed to have your data processed by them and therefore they have no right to process it. I don't see how the ICO can possibly argue against that. :-?

 

Sadly the ICO chooses to disregard the European directive on these issues which firmly places the burden of proof upon the persons making the entry.:mad:

As of 03/03/12 please do not under any circumstances wait for my further input or guidance on any current thread or defence of a court claim I might have been involved in on or through Cag.

Jasper1965

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I have an alleged debt being chased by a DCA for a CC co. The DCA has informed me in writing on 3 occassions that the OC doesn't have a CCA. The latest letter I've received from the DCA is numerous statements obtained from the OC and a letter saying these prove you owe the money. I believe the OC has passed on my data to the DCA without having any signature from me giving them permission to do so. How do I complain, who to, who about and specifically what about?

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You could try requesting the CRA's to remove your data file as the OC admits there is no Agreement therefore no proof of any permission to publish your data.

 

Experian Ltd

Customer Support Centre

PO Box 8000

Nottingham

NG80 7WF

 

Equifax Plc

Credit File Advice Centre

PO Box 1140

Bradford

BD1 5US

 

Call Credit Plc

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ

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You could try requesting the CRA's to remove your data file as the OC admits there is no Agreement therefore no proof of any permission to publish your data.

 

Experian Ltd

Customer Support Centre

PO Box 8000

Nottingham

NG80 7WF

 

Equifax Plc

Credit File Advice Centre

PO Box 1140

Bradford

BD1 5US

 

Call Credit Plc

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ

 

Hasn't this been tried before many many times and it was a nightmare?

 

It is easier to get the DCA to repair your file by sueing them for harrassment!

 

Well, in my opinion it is!

 

Even getting these b*****ds into court will open the floodgates!

 

They would have literally NO defence at all!

 

No CCA, processing data, threatening letters, asking for money etc. etc. etc.

 

RI

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Hasn't this been tried before many many times and it was a nightmare?

 

It is easier to get the DCA to repair your file by sueing them for harrassment!

 

Well, in my opinion it is!

 

Even getting these b*****ds into court will open the floodgates!

 

They would have literally NO defence at all!

 

No CCA, processing data, threatening letters, asking for money etc. etc. etc.

 

RI

Supposing, they have an application form though, signed by yourself, saying your info can be shared? Does lack of a valid CCA invalidate this form of consent?:-(

If my post helped you feel better, click my scales.

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No CCA means no permission to be processing your data.

 

If you think about it, how can they default you and report your financial dealings to CRA's without written consent?

 

This is what the Data Protection Act is for!

 

To stop this kind of nonsense.

 

How would you feel if you 'applied' for Private Medical Insurance and your medical details were then held on file and freely available for everyone to see and subsequently judge you upon them?

 

I think if it is an 'application form' you signed and not a CCA then under the Consumer Credit Act they have absolutely no right to be processing your data either.

 

If the application was refused for instance, that doesn't give them the right to open a file on you does it?

 

The DCA's will argue otherwise though.

 

There'in lyeth the problem!

 

It's getting these b*****ds in a suitable position where they are 'legally obliged' to show good reason why they are processing your personal financial data.

 

You can write to them a million times warning them of their wrongdoings but they will not give a damn.

 

Unless you are fully prepared to report them continuously to the powers that be they will not stop.

 

Some of their reasoning for this behaviour is warped and in all actuality blackening your credit file, when they have no paperwork to say that a debt exists at all, is done purely to punish you for not paying them the moment they ask you for your hard earned cash.

 

Taking them to court for harrassment seems the way to go, OFT guidelines are VERY clear what is deemed harrassment.

Edited by RoyalIrish
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I think if it is an 'application form' you signed and not a CCA then under the Consumer Credit Act they have absolutely no right to be processing your data either.

 

If the application was refused for instance, that doesn't give them the right to open a file on you does it?

 

The DCA's will argue otherwise though.

 

There'in lyeth the problem!

 

It's getting these b*****ds in a suitable position where they are 'legally obliged' to show good reason why they are processing your personal financial data.

 

You can write to them a million times warning them of their wrongdoings but they will not give a damn.

 

Unless you are fully prepared to report them continuously to the powers that be they will not stop.

 

Some of their reasoning for this behaviour is warped and in all actuality blackening your credit file, when they have no paperwork to say that a debt exists at all, is done purely to punish you for not paying them the moment they ask you for your hard earned cash.

The problem in a nutshell.

If my post helped you feel better, click my scales.

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So has anybody here threatened legal proceedings and got defaults removed. A guy from the states suggests a 3 throng approach rangig from polite requests to threatening litegation..

 

I want to clean up my file but admit it looks, well totally confusing. I do understand however that if a CCA is not produced then it seems unlawful for the DCA to be processing data..

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